Your insurance claim may be underpaid
Upload your policy and settlement letter — our AI compares them clause by clause and shows you exactly what the insurer actually owes you. Free preview in 90 seconds.
1,240+
Claims reviewed
$4,200
Avg. gap found
~2m
To first answer
M. Rivera, Texas
Home · Wind Damage
They offered
$4,200
Policy suggests
$9,100
Underpayment areas
Illustrative example · anonymized
The problem
Why most insurance settlements are too low
Insurance adjusters are paid to minimize claims. Your policy may entitle you to far more than they offered — but they count on you not checking.
Insurers don't show you the coverage you're entitled to — they hope you won't look
First settlement offers are routinely 20–40% below what policies actually cover
Dispute deadlines are real. Every week you wait narrows your options.
Process
How to dispute an underpaid insurance claim
No lawyers. No retainers. Upload your policy and settlement letter — we show you the exact gap and generate your dispute package.
Upload your documents
Your insurance policy PDF and the insurer's settlement or denial letter. Takes about a minute.
FreeWe analyze the gap
Your policy is compared against what was offered — clause by clause, line by line. We find what they didn't tell you.
~90 secGet your leverage
See the gap in dollars. Unlock the full report — dispute letter, escalation plan, and policy arguments — for $149.
$149 unlockNo charge until you choose the full report
Full report · $149
Everything you need to dispute — in one document
Policy citations, dollar ranges, a ready-to-send dispute letter, and a regulator complaint template if they ignore you.
$149
One-time
30 days
Refund window
Minutes
Delivery after pay
- Gap Analysis
- Exact coverage language versus what was paid — clause by clause.
- Dollar Breakdown
- What the policy entitles you to, with specific dollar ranges.
- Recovery Score
- 1–10 likelihood of getting more, with detailed reasoning.
- Counter-Offer Letter
- Professional draft ready to copy-paste and send today.
- 21-Day Action Plan
- Day 7 / 14 / 21 steps if the insurer ignores your appeal.
- Commissioner Complaint
- Pre-filled formal complaint to your state regulator.
Common questions
Insurance claim disputes — what you need to know
- How do I know if my insurance claim was underpaid?
- Compare what your policy promises against what the insurer actually offered. Look for depreciation calculations, excluded line items, and coverage clauses the adjuster may have ignored. ClaimGap does this automatically — upload your policy and settlement letter and we'll flag every discrepancy.
- What types of insurance claims can I check?
- ClaimGap covers home (property damage, wind, water, fire), auto (total loss, collision, comprehensive), and health (denials, underpayments, EOB disputes) insurance claims across all 50 U.S. states.
- How does the AI gap analysis work?
- Our AI reads your insurance policy and the insurer's settlement or denial letter, then compares them clause by clause. It identifies coverage language the insurer may have misapplied, calculates the dollar difference, and generates a professional dispute letter with your policy citations.
- What documents do I need to check my claim?
- At minimum: your insurance policy (or declarations page) and the settlement or denial letter from your insurer. Optional supporting documents — contractor estimates, repair quotes, medical bills, photos — help tighten the dollar estimate.
- How much does ClaimGap cost?
- The preview is completely free — you see the gap estimate and key findings before paying anything. The full report (including the dispute letter, dollar breakdown, 21-day escalation plan, and state commissioner complaint template) costs $149 one-time. If no material gap is found, we refund you within 30 days.
- Is ClaimGap legal advice?
- No. ClaimGap is an informational analysis tool — it is not legal advice and does not constitute adjuster or insurance services. The analysis helps you understand your policy and build your own case. For legal action, consult a licensed attorney.
- How long does an insurance claim dispute take?
- Your analysis is ready in about 90 seconds. Most state insurance regulators require insurers to acknowledge disputes within 10–15 days and resolve them within 30–45 days. Our 21-Day Action Plan guides you through each follow-up step.
Don't wait
Every day you wait is a day they keep your money
Disputes have deadlines. State statutes of limitation vary. The sooner you check, the more options you have — and the stronger your position.
Before you start
Legal notice: ClaimGap is an informational tool and does not constitute legal advice, insurance advice, or adjuster services. Generated analysis may contain errors and should be verified independently. Recovery is not guaranteed. Results depend entirely on the documents you provide. Consult a licensed attorney before taking legal action. Total liability is limited to amounts paid for the service.